Optional investing solution
Guided Wealth Portfolios
Guided Wealth Portfolios (GWP) is a digital investment platform with a low minimum for people who prefer an online investing experience. It may be a good fit for those getting started, saving for retirement, planning for a major purchase, or building toward long-term goals. GWP is offered separately from our Financial Planning and Financial Coaching & Support services.
What is GWP?
Guided Wealth Portfolios (GWP) is our digital investment platform. It is designed for people who want an online process for opening and managing an investment account while still having advisor support available through our office, as applicable. GWP is an optional investing solution, not a replacement for broader planning and coaching work.
How it works
At a high level, the process is designed to be online, straightforward, and goal-focused.
You answer a few questions about your goal, time horizon, and comfort with risk.
The platform shows a proposal based on that information.
If you decide to move forward, you complete the account opening process.
Once the account is opened, LPL Financial manages the portfolio within the program, and our office may help with questions and next steps, as applicable.
What it includes
Depending on the account and client profile, GWP generally includes:
- A digital account opening and onboarding experience
- A goal-based proposal tool
- A portfolio based on model portfolios constructed by LPL Financial
- ETF-based investing within the program
- Ongoing portfolio management within the program
- Rebalancing handled within the program
- Access to account information through LPL Financial’s Account View tools
- Advisor support through our office, as applicable, for questions, paperwork, and general account guidance
What it does not include
It is also important to understand what GWP is not.
- It is not the same as a full financial planning engagement
- It is not the same as our Financial Coaching & Support service
- It does not mean unlimited access to our team
- The proposal tool by itself does not create an advisory relationship
- The proposal tool is educational and informational and should not be treated as comprehensive financial planning, legal advice, or tax advice
- It may not be the right fit for every investor or every situation
Who it may be for
GWP may be a fit for people who prefer a more digital experience, are comfortable using an online portal, and want to begin investing or keep investing aligned with a long-term goal. It may also appeal to those who want a lower entry point than some traditional advisory relationships, while still having a connection to an advisor.
The digital experience
For clients who value a digital experience, GWP is supported by LPL Financial’s Account View tools. That means online and mobile access to account information, performance visibility, documents, and goal tracking tools through a desktop portal and mobile app.
Mobile app availability and features are provided through LPL Financial’s Account View app.
How GWP differs from our planning and coaching services
Our Financial Planning and Financial Coaching & Support offerings are separate services with their own scope, process, and fees. GWP is an optional investing platform for clients who prefer an online experience. If you are looking for broader planning conversations, decision support, accountability, or ongoing coaching around life changes, those services are addressed separately from GWP.
Frequently Asked Questions
Is GWP the same as financial planning?
No. GWP is a separate digital investment platform. Financial Planning and Financial Coaching & Support are separate services with their own scope and process.
Will I still be able to talk with someone?
Yes, our office can help answer questions about the program, the account-opening process, and general next steps. GWP is designed to be more digital, so it is different from a more traditional advisory relationship with more frequent personal interaction.
Is GWP right for everyone?
No. Advisory accounts may not be appropriate for every client. The right fit depends on your goals, preferences, and the type of relationship you want.
Want to explore whether GWP fits your goals?
You can begin the GWP setup through our account setup portal page. If you are unsure whether GWP, planning, or coaching is the better fit, start with a free get-to-know-you session and we can talk through the differences.